Credit Card

Ganito kasi yun... Inutusan kasi akong kumuha ng mga credit card applications...

Tapos, it got me thinking...

Kukuha ba ako ng credit card? Actually, meron na akong credit card pero hindi ko lang inactivate..

When I got the card offer, I was reluctant to activate it. Kasi naman ayaw ko ng credit card.. Tignan mo si Papa.. Baon sa utang.. Si Tita, nagtatago... So I kept the card as a remembrance tapos ignored the whole thing... Pero I told myself when I get richer, I would get one.. And with the blessings this year.... it got me thinking... Sabi ko I'll get a credit card when I decided to buy a new laptop.. which will be months from now... Pero Mama offered to use her card na lang... So I might not get one...

Tapos, yun nga kanina... I was researched a few things about credit cards... Sabi nila, BPI daw is the best in terms of offers pero mahal nga lang ang interest..

BDO is a good fit for me dahil sa connection sa SM... Tapos, since may account na ako duon baka mas madali ako makapag-apply.

Perks ng credit card (in theory)
1. May pang-emergency
2. Installment payments (siyempre pipiliin ko yung 0 interest; Washing machine muna then laptop)
3. May extra points
4. Pwede na ako magtransact online since wala namang laman yung pay pal ko...
5. Travel Assistance (okay siya since I plan to travel next year)

Possible Bad stuff
1. Temptation (I might not bring my card all the time.. Kapag bibili lang or something..)
2. Interest (Lalabas na mas mahal kasi ang ibang items although mas magaan at a time..)

Iisipin ko pa... By january ako if ever, gagamit...